Clear Terms & Conditions – Built for Trust, Transparency, and Your Safety

Terms & Conditions

 Effective Date: August 20, 2025

Welcome to Top Credit Quote (“Company,” “we,” “our,” or “us”). These Terms & Conditions (“Terms”) govern your access to and use of topcreditquote.com (the “Site”) and all content, features, and affiliate services we provide (collectively, the “Services”). By using this Site, you agree to be bound by these Terms.

1. Who We Are

Top Credit Quote is an independent affiliate publisher for U.S. readers. We provide honest reviews, clear comparisons, and practical guides across finance, technology, and health so you can choose what fits your needs. We do not operate a bank, lender, insurance company, or healthcare practice, and we do not sell products directly. We may earn a commission when you click certain links or sign up for partner offers—this never increases the price you pay and helps support our work.

2. Audience & Eligibility

Our Services are intended for U.S. residents who are 18 years or older and able to enter into binding agreements. By using this Site, you confirm that you meet these requirements. We comply with the Children’s Online Privacy Protection Act (COPPA) and do not knowingly collect personal information from children under 13. If you believe a child under 13 has provided information, please contact us at info@topcreditquote.com

3. No Professional Advice

The information on Top Credit Quote is educational and general in nature. It is not tailored to your situation and should not be relied on as professional advice.
Finance & Investment: We are not financial advisors, brokers, or fiduciaries. Nothing here is financial, legal, tax, or investment advice. Consult a licensed professional before making financial decisions.
Technology & SaaS: Any discussion of software, tools, or AI is provided “as is.” Evaluate and test for your own use case before adopting any product or service.
Health & Fitness: Our content is not medical advice and is not a substitute for care from a qualified healthcare professional. Always seek medical guidance before starting any new diet, exercise, or wellness plan; call 911 in an emergency.

4. Affiliate Disclosure

Top Credit Quote participates in affiliate marketing programs. We may earn a commission when you click certain links or sign up for partner offers featured on our Site. This comes at no additional cost to you and helps keep our content free.
Compensation may influence where an offer appears, but it does not change our editorial opinions. Our recommendations are based on research, user value, and clarity. Where applicable, sponsored placements or paid partnerships will be clearly labeled.
For full details on how we earn, see our Affiliate Disclosure page.

5. User Responsibilities

By using this Site, you agree to act lawfully and respectfully. You agree that you will not:

• Violate any applicable U.S. federal, state, or local laws.

• Post or transmit harmful, unlawful, misleading, or deceptive content.

• Impersonate any person or entity, or misrepresent your affiliation with us.

• Attempt unauthorized access to our systems, interfere with security, or disrupt the Site.

• Copy, reproduce, republish, or redistribute our content for commercial purposes without written permission.
  Failure to comply may result in suspension or termination of access and other appropriate action.

6. Intellectual Property

All original content on Top Credit Quote—including articles, reviews, graphics, and design—is owned by us or our licensors and protected by U.S. copyright and trademark laws.
You may read and share our materials for personal, non-commercial use, provided you do not alter the content or misrepresent its source. Any commercial use or redistribution requires our prior written consent.
Third-party trademarks and logos appearing on the Site are the property of their respective owners. If you believe any material infringes your rights, please contact info@topcreditquote.com

7. Third-Party Links

Our Site may include links to third-party websites, products, or services. These links are provided for your convenience. We do not control, endorse, or assume responsibility for the content, policies, or practices of any third party. You should review the terms and privacy policies of any external site you visit.

8. AI & Automated Content

Some parts of Top Credit Quote may use AI-assisted or automated tools to help create or update content. While we strive for accuracy and clarity, such material may contain errors or omissions. Please verify important details independently before making financial, technology, or health decisions.

9. Disclaimer of Warranties

The Site and Services are provided “as is” and “as available.” We make no warranties—express or implied—regarding accuracy, reliability, merchantability, fitness for a particular purpose, title, or non-infringement. We do not guarantee the Site will be uninterrupted, secure, or error-free.

10. Limitation of Liability

To the fullest extent permitted by U.S. law, Top Credit Quote and its officers, employees, and partners will not be liable for indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenue, data, goodwill, or other intangible losses arising from your use of the Site.

11. Indemnification

You agree to indemnify, defend, and hold harmless Top Credit Quote from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of your misuse of the Services or your violation of these Terms.

12. Changes to Terms

We may update these Terms from time to time. Changes take effect upon posting with a revised date on this page. Your continued use of the Site after updates means you accept the revised Terms.

13. Governing Law & Miscellaneous

These Terms are governed by the laws of the United States and the State of New York. You agree to the exclusive jurisdiction of the state or federal courts located in New York, NY, for any dispute.
Severability: If any provision of these Terms is found invalid or unenforceable, the remaining provisions remain in full force.
No Waiver: Our failure to enforce any right or provision is not a waiver of that right or provision.
Entire Agreement: These Terms constitute the entire agreement between you and Top Credit Quote regarding your use of the Site and supersede prior understandings related to the Services.

14. Contact Us

Questions about these Terms? We’re here to help.
Email: info@topcreditquote.com

Partnerships & media: partners@topcreditquote.com

Office Address: Traildwood Condo, Port Orange, Florida-32127, United States.
We typically reply within 24–48 business hours (USA).